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Do you prefer to be the only individual managing your money, to receive some guidance from a financial advisor, to turn your investments over to your advisor — or some combination of all three? Your answer might depend on several factors, including how much time you want to devote to managing your investments or your comfort level with financial products.
Learning the different types of investors can help you decide how you want to manage your money:
You know you’re an independent investor if you have the experience and training to evaluate your investment choices, and potential new ones, in depth. You’re likely an independent investor if you’re:
Collaborative investors want to have a say in their investing choices and overall strategic decisions, but appreciate guidance from a financial advisor or other investment professional. These investors don't want the burden of monitoring the market regularly and reviewing their investments to account for its fluctuations. These days, many collaborative investors:
Delegating investors are similar to collaborative investors because they work with a financial advisor to reach their financial goals. But in this partnership, the advisor doesn’t just offer guidance in setting goals, choosing appropriate investments, and making portfolio adjustments — he or she actually executes those transactions on the investor’s behalf. The financial advisor keeps the investor informed with quarterly and annual reports.
When you know what type of investor you are, you’ll know what steps to take, and who to partner with, to create an investment plan that helps you reach your financial goals.
Empower yourself with financial knowledge
We’re committed to your financial success. Here you’ll find a wide range of helpful information, interactive tools, practical strategies, and more — all designed to help you increase your financial literacy and reach your financial goals.
This information is provided for educational and illustrative purposes only.
Wells Fargo Wealth Management provides products and services through Wells Fargo Bank, N.A., and its various affiliates and subsidiaries.
Wells Fargo & Company and its affiliates do not provide tax or legal advice. Please consult with your tax and legal advisors to determine how this information may impact your own situation.
Asset allocation does not assure or guarantee better performance and cannot eliminate the risk of investment losses.
Past performance does not indicate future results. The value or income associated with a security or an investment may fluctuate. There is always the potential for loss as well as gain.
Wells Fargo Advisors is the trade name used by two separate registered broker-dealers: Wells Fargo Advisors, LLC and Wells Fargo Advisors Financial Network, LLC, Members SIPC, non-bank affiliates of Wells Fargo & Company.